Research Papers

A particular class of Explainable AI (XAI) methods provide saliency maps to highlight part of the image a Convolutional Neural Network (CNN) model looks at to classify the image as a way to explain its working. These methods provide an intuitive way for users to understand predictions made by CNNs. Other than quantitative computational tests, the vast majority of evidence to highlight that the methods are valuable is anecdotal. Given that humans would be the end-users of such methods, we devise three human subject experiments through which we gauge the effectiveness of these saliency-based explainability methods.

Explainable AI has attracted much research attention in recent years with feature attribution algorithms, which compute "feature importance" in predictions, becoming increasingly popular. However, there is little analysis of the validity of these algorithms as there is no "ground truth" in the existing datasets to validate their correctness. In this work, we develop a method to quantitatively evaluate the correctness of XAI algorithms by creating datasets with known explanation ground truth. To this end, we focus on the binary classification problems. String datasets are constructed using formal language derived from a grammar. A string is positive if and only if a certain property is fulfilled. Symbols serving as explanation ground truth in a positive string are part of an explanation if and only if they contributes to fulfilling the property. Two popular feature attribution explainers, Local Interpretable Model-agnostic Explanations (LIME) and SHapley Additive exPlanations (SHAP), are used in our experiments.We show that: (1) classification accuracy is positively correlated with explanation accuracy; (2) SHAP provides more accurate explanations than LIME; (3) explanation accuracy is negatively correlated with dataset complexity.

Enabling Machine Learning Algorithms for Credit Scoring -- Explainable Artificial Intelligence (XAI) methods for clear understanding complex predictive models

Przemysław Biecek, Marcin Chlebus, Janusz Gajda +5

Rapid development of advanced modelling techniques gives an opportunity to develop tools that are more and more accurate. However as usually, everything comes with a price and in this case, the price to pay is to loose interpretability of a model while gaining on its accuracy and precision. For managers to control and effectively manage credit risk and for regulators to be convinced with model quality the price to pay is too high. In this paper, we show how to take credit scoring analytics in to the next level, namely we present comparison of various predictive models (logistic regression, logistic regression with weight of evidence transformations and modern artificial intelligence algorithms) and show that advanced tree based models give best results in prediction of client default. What is even more important and valuable we also show how to boost advanced models using techniques which allow to interpret them and made them more accessible for credit risk practitioners, resolving the crucial obstacle in widespread deployment of more complex, 'black box' models like random forests, gradient boosted or extreme gradient boosted trees. All this will be shown on the large dataset obtained from the Polish Credit Bureau to which all the banks and most of the lending companies in the country do report the credit files. In this paper the data from lending companies were used. The paper then compares state of the art best practices in credit risk modelling with new advanced modern statistical tools boosted by the latest developments in the field of interpretability and explainability of artificial intelligence algorithms. We believe that this is a valuable contribution when it comes to presentation of different modelling tools but what is even more important it is showing which methods might be used to get insight and understanding of AI methods in credit risk context.

According to a mainstream position in contemporary cognitive science and philosophy, the use of abstract compositional concepts is both a necessary and a sufficient condition for the presence of genuine thought. In this article, we show how the ability to develop and utilise abstract conceptual structures can be achieved by a particular kind of learning agents. More specifically, we provide and motivate a concrete operational definition of what it means for these agents to be in possession of abstract concepts, before presenting an explicit example of a minimal architecture that supports this capability. We then proceed to demonstrate how the existence of abstract conceptual structures can be operationally useful in the process of employing previously acquired knowledge in the face of new experiences, thereby vindicating the natural conjecture that the cognitive functions of abstraction and generalisation are closely related. Keywords: concept formation, projective simulation, reinforcement learning, transparent artificial intelligence, theory formation, explainable artificial intelligence (XAI)

Experiential AI

Drew Hemment, Ruth Aylett, Vaishak Belle +5

Experiential AI is proposed as a new research agenda in which artists and scientists come together to dispel the mystery of algorithms and make their mechanisms vividly apparent. It addresses the challenge of finding novel ways of opening up the field of artificial intelligence to greater transparency and collaboration between human and machine. The hypothesis is that art can mediate between computer code and human comprehension to overcome the limitations of explanations in and for AI systems. Artists can make the boundaries of systems visible and offer novel ways to make the reasoning of AI transparent and decipherable. Beyond this, artistic practice can explore new configurations of humans and algorithms, mapping the terrain of inter-agencies between people and machines. This helps to viscerally understand the complex causal chains in environments with AI components, including questions about what data to collect or who to collect it about, how the algorithms are chosen, commissioned and configured or how humans are conditioned by their participation in algorithmic processes.

LLM-based agents have emerged as transformative tools capable of executing complex tasks through iterative planning and action, achieving significant advancements in understanding and addressing user needs. Yet, their effectiveness remains limited in specialized domains such as mental health diagnosis, where they underperform compared to general applications. Current approaches to integrating diagnostic capabilities into LLMs rely on scarce, highly sensitive mental health datasets, which are challenging to acquire. These methods also fail to emulate clinicians' proactive inquiry skills, lack multi-turn conversational comprehension, and struggle to align outputs with expert clinical reasoning. To address these gaps, we propose DSM5AgentFlow, the first LLM-based agent workflow designed to autonomously generate DSM-5 Level-1 diagnostic questionnaires. By simulating therapist-client dialogues with specific client profiles, the framework delivers transparent, step-by-step disorder predictions, producing explainable and trustworthy results. This workflow serves as a complementary tool for mental health diagnosis, ensuring adherence to ethical and legal standards. Through comprehensive experiments, we evaluate leading LLMs across three critical dimensions: conversational realism, diagnostic accuracy, and explainability. Our datasets and implementations are fully open-sourced.

This article examines the evolving landscape of artificial intelligence (AI) regulation in financial services, detailing the legal frameworks and compliance challenges posed by rapid technological adoption. By reviewing current legislation, industry guidelines, and real-world use cases, it highlights how AI-driven processes, from fraud detection to algorithmic trading, offer efficiency gains yet introduce significant risks, including algorithmic bias, data privacy breaches, and lack of transparency in automated decision-making. The study compares regulatory approaches across major jurisdictions such as the European Union, United States, and United Kingdom, identifying both universal concerns, like the need for explainability and robust data protection, and region-specific compliance requirements that impact the implementation of high-risk AI applications. Additionally, it underscores emerging areas of focus, such as liability for AI-driven errors, systemic risks posed by interlinked AI systems, and the ethical considerations of technology-driven financial exclusion. The findings reveal gaps in existing rules and emphasize the necessity for adaptive, technology-neutral policies capable of fostering innovation while safeguarding consumer rights and market integrity. The article concludes by proposing a principled regulatory model that balances flexibility with enforceable standards, advocating closer collaboration between policymakers, financial institutions, and AI developers to ensure a secure, fair, and forward-looking framework for AI in finance.

Generative Artificial Intelligence (AI) techniques have become integral part in advancing next generation wireless communication systems by enabling sophisticated data modeling and feature extraction for enhanced network performance. In the realm of open radio access networks (O-RAN), characterized by their disaggregated architecture and heterogeneous components from multiple vendors, the deployment of generative models offers significant advantages for network management such as traffic analysis, traffic forecasting and anomaly detection. However, the complex and dynamic nature of O-RAN introduces challenges that necessitate not only accurate detection mechanisms but also reduced complexity, scalability, and most importantly interpretability to facilitate effective network management. In this study, we introduce the XAInomaly framework, an explainable and interpretable Semi-supervised (SS) Deep Contractive Autoencoder (DeepCAE) design for anomaly detection in O-RAN. Our approach leverages the generative modeling capabilities of our SS-DeepCAE model to learn compressed, robust representations of normal network behavior, which captures essential features, enabling the identification of deviations indicative of anomalies. To address the black-box nature of deep learning models, we propose reactive Explainable AI (XAI) technique called fastshap-C.

This study seeks to enhance academic integrity by providing tools to detect AI-generated content in student work using advanced technologies. The findings promote transparency and accountability, helping educators maintain ethical standards and supporting the responsible integration of AI in education. A key contribution of this work is the generation of the CyberHumanAI dataset, which has 1000 observations, 500 of which are written by humans and the other 500 produced by ChatGPT. We evaluate various machine learning (ML) and deep learning (DL) algorithms on the CyberHumanAI dataset comparing human-written and AI-generated content from Large Language Models (LLMs) (i.e., ChatGPT). Results demonstrate that traditional ML algorithms, specifically XGBoost and Random Forest, achieve high performance (83% and 81% accuracies respectively). Results also show that classifying shorter content seems to be more challenging than classifying longer content. Further, using Explainable Artificial Intelligence (XAI) we identify discriminative features influencing the ML model's predictions, where human-written content tends to use a practical language (e.g., use and allow). Meanwhile AI-generated text is characterized by more abstract and formal terms (e.g., realm and employ). Finally, a comparative analysis with GPTZero show that our narrowly focused, simple, and fine-tuned model can outperform generalized systems like GPTZero. The proposed model achieved approximately 77.5% accuracy compared to GPTZero's 48.5% accuracy when tasked to classify Pure AI, Pure Human, and mixed class. GPTZero showed a tendency to classify challenging and small-content cases as either mixed or unrecognized while our proposed model showed a more balanced performance across the three classes.

In the evolving landscape of autonomous vehicles, ensuring robust in-vehicle network (IVN) security is paramount. This paper introduces an advanced intrusion detection system (IDS) called KD-XVAE that uses a Variational Autoencoder (VAE)-based knowledge distillation approach to enhance both performance and efficiency. Our model significantly reduces complexity, operating with just 1669 parameters and achieving an inference time of 0.3 ms per batch, making it highly suitable for resource-constrained automotive environments. Evaluations in the HCRL Car-Hacking dataset demonstrate exceptional capabilities, attaining perfect scores (Recall, Precision, F1 Score of 100%, and FNR of 0%) under multiple attack types, including DoS, Fuzzing, Gear Spoofing, and RPM Spoofing. Comparative analysis on the CICIoV2024 dataset further underscores its superiority over traditional machine learning models, achieving perfect detection metrics. We furthermore integrate Explainable AI (XAI) techniques to ensure transparency in the model's decisions. The VAE compresses the original feature space into a latent space, on which the distilled model is trained. SHAP(SHapley Additive exPlanations) values provide insights into the importance of each latent dimension, mapped back to original features for intuitive understanding. Our paper advances the field by integrating state-of-the-art techniques, addressing critical challenges in the deployment of efficient, trustworthy, and reliable IDSes for autonomous vehicles, ensuring enhanced protection against emerging cyber threats.

It has been reported that LLMs can recognize their own writing. As this has potential implications for AI safety, yet is relatively understudied, we investigate the phenomenon, seeking to establish whether it robustly occurs at the behavioral level, how the observed behavior is achieved, and whether it can be controlled. First, we find that the Llama3-8b-Instruct chat model - but not the base Llama3-8b model - can reliably distinguish its own outputs from those of humans, and present evidence that the chat model is likely using its experience with its own outputs, acquired during post-training, to succeed at the writing recognition task. Second, we identify a vector in the residual stream of the model that is differentially activated when the model makes a correct self-written-text recognition judgment, show that the vector activates in response to information relevant to self-authorship, present evidence that the vector is related to the concept of "self" in the model, and demonstrate that the vector is causally related to the model's ability to perceive and assert self-authorship. Finally, we show that the vector can be used to control both the model's behavior and its perception, steering the model to claim or disclaim authorship by applying the vector to the model's output as it generates it, and steering the model to believe or disbelieve it wrote arbitrary texts by applying the vector to them as the model reads them.

Machine Learning (ML) models integrated with in-situ sensing offer transformative solutions for defect detection in Additive Manufacturing (AM), but this integration brings critical challenges in safeguarding sensitive data, such as part designs and material compositions. Differential Privacy (DP), which introduces mathematically controlled noise, provides a balance between data utility and privacy. However, black-box Artificial Intelligence (AI) models often obscure how this noise impacts model accuracy, complicating the optimization of privacy-accuracy trade-offs. This study introduces the Differential Privacy-Hyperdimensional Computing (DP-HD) framework, a novel approach combining Explainable AI (XAI) and vector symbolic paradigms to quantify and predict noise effects on accuracy using a Signal-to-Noise Ratio (SNR) metric. DP-HD enables precise tuning of DP noise levels, ensuring an optimal balance between privacy and performance. The framework has been validated using real-world AM data, demonstrating its applicability to industrial environments. Experimental results demonstrate DP-HD's capability to achieve state-of-the-art accuracy (94.43%) with robust privacy protections in anomaly detection for AM, even under significant noise conditions. Beyond AM, DP-HD holds substantial promise for broader applications in privacy-sensitive domains such as healthcare, financial services, and government data management, where securing sensitive data while maintaining high ML performance is paramount.